农村信用社信贷风险管理系统的设计和实现

【作者】 李慧敏；

【导师】 何兴高； 宫淑微；

【作者基本信息】 电子科技大学 ， 软件工程， 2011， 硕士

【摘要】 信贷风险管理历来是金融业管理的难点,而对正处于改革时期的我国农村信用社来说,更是如此。信贷风险是当前农村信用社面临的最主要的风险之一,信贷管理缺乏科学手段,导致资产规模与效益不对称,迫切需要应用先进的技术手段识别、衡量信贷风险,采取有效措施达到事先、事中控制和化解信贷风险,从而提高农村信用社在我国银行业的核心竞争力,实现服务“农业、农村、农民”和自身效益的双赢。本文分析了内蒙古农村信用社建设信贷风险管理系统的必要性,介绍了农村信用社信贷业务管理现状及相关背景知识,对信贷风险管理系统进行了详细的需求分析,论述了信贷风险管理系统的设计和实现方式,介绍了信贷风险管理系统的测试和运行,最后对内蒙古农村信用社信贷风险管理系统进行了总结,并提出了展望。信贷风险管理系统目前已成功在内蒙古农村信用社上线运行,它把信贷日常业务处理、决策管理流程、数据统计分析、贷款风险分类预警、信贷监督检查、贷款和客户资料积累等行为全部纳入计算机处理、形成覆盖信贷管理全过程的科学体系、基本实现了全区联网、信息共存、查询自如、方便快捷的信贷风险电子化管理功能。更多还原

【Abstract】 Credit risk management has always been a difficult management of the financial industry, especially for rural credit cooperatives in China which is in the reform.credit risk is one of the most important risk that Rural credit cooperatives are facing, credit management is lack of scientific methods, resulting in asset size and effectiveness of asymmetry, there are an urgent need for the application of advanced technology to identify, measure credit risk, In addition to take effective measures to advance something credit risk in the control and resolve to improve the rural credit cooperatives in the core competitiveness of China’s banking industry, and Finally we can service agriculture, countryside and farmers and get their own win-win benefits.This paper analyzes the construction of rural credit cooperatives in Inner Mongolia credit risk management system, in the first place, it gives a need for credit risk management system on a detailed needs analysis, in the second place,it discusses the design and implementation of the credit risk management system, also it describes testing and operation of the credit risk management system, Finally, credit risk management system of rural credit cooperatives of Inner Mongolia were summarized, and prospected.更多还原